Financier is the profession of the future. Finance What does a financier do at an enterprise?

It is quite in demand in society, since finance is the basis of any state. If a competent financier manages them, then his activities will benefit the entire population. This is especially true for a crisis, when only financiers are able to foresee the appropriateness of a particular step. A financier must be able to model a situation, analyze various events and rationally use his own knowledge.

With the help of educational institutions, young people can master the basic financial laws and various intricacies of the field of finance, but in order to become a specialist, it will take a lot of time. Experience is an important component in any profession. Young graduates should become employees of enterprises, be assistant accountants or economists, and perform administrative work. This is the only way to learn the financial structure from the inside and begin to have a good understanding of pricing issues.

Basic qualities of a financier

The work of a financier involves development in the banking and insurance sectors, as well as in financial markets and exchanges. But before you become a financier, you need to work hard. A professional financier must have strategic thinking and extraordinary logic. Stress resistance and the ability to think on a global scale will allow financiers to easily overcome troubles that stand in their way.

There are many nuances in financial activity, without improving which you cannot become a professional. A financier must have an excellent command of the legislative framework, develop leadership abilities and organization, because authority is one of the important criteria when choosing a specialist. The main quality without which a person will never become a financier is the presence of acute analytical thinking. A financier must not only manage finances skillfully, but also make decisions correctly so as not to create extreme situations.

A good financier should be interested in any changes that occur in the world economy and politics. Comprehensive development will teach a young specialist to understand and analyze political nuances, as well as their impact on the state’s economy. As a rule, the success of a financier’s work depends on the ability to qualitatively predict the situation. In order not to make a mistake, a financier must be communicative. Information is the main value that a financier should have, so it’s worth paying attention to even the little things.

An experienced financier can realize himself in the investment field, financial management and auditing. As a rule, the larger the company, the more prospects the financier has.

Managing gigantic financial flows. Decent salary already at the start of your career. An opportunity to share the laurels of Warren Buffett, Peter Lynch, George Soros, and maybe leave these meters far behind.

The profession of a financier opens up de facto unlimited prospects for material and personal growth for young people. It is fraught with a lot of risks and dangers of being a loser, unclaimed and forgotten. The best reach the top and make history in the world economy. The worst are content with a salary of 15 thousand rubles somewhere in the periphery. Who is a financier, what to expect from this profession and what skills to develop? Let's figure it out.

Who is a financier

A financier is a legitimate specialist who conducts large monetary transactions. This could be lending, investment, financial flow management. The field of activity may also include the introduction of new goods and banking products, brokerage services, and advertising.

A financier is neither an economist nor an accountant. However, the professional skills of these two specialties are vital for conducting successful activities.

In 2008, Forbes compiled a ranking of the richest financiers on the planet and found that only 20 people earned over $515 million in a year. The names of legendary specialists will forever go down in the history of the stock and venture markets, as well as the banking sector and the economy as a whole. Mutual fund manager Peter Lynch, multi-billionaire Warren Buffett, who increased the assets of Vanguard Windsor and Gemini by 5,600% over the years, John Neff - everyone who is associated with the economy and investments remembers them.

What you should know

The position requires a higher education, which the young specialist must support with practical skills and personal qualities. He must know how to manage capital to obtain maximum benefit. Must be aware of the state of the economy, be able to quickly assess the prospects of projects and the competitiveness of products. His competence also includes analysis of the state of the advertising market, which continues to be a key engine of trade. The best specializations for study are finance and economics.

• Russian Academy of National Economy and Public Administration.
• High School of Economics.
• Moscow State Institute of International Relations.
• Russian Economic University named after Plekhanov.
• Financial University under the Government of the Russian Federation.

The basis of a financier’s success is constant self-development and learning. This position does not fall into the category of specialties for which you are 100% ready after graduation. They will teach you how to assess the condition of funds, but will not tell you what to do if they collapse. You will know about the criteria for the prospects of projects, but will not learn to see the nuances in them. You must be prepared to make decisions in which you will a priori risk huge capital.

Professional qualities of a financier

A specialist in this industry can deal with investments, budget allocation, insurance, introduction of new products, international financial transactions and other sectors of the economy. The list of professional skills depends on the market segment in which you plan to work. But the basic qualities are the same for all financiers:

• detailed knowledge of the market and the state of the economy;
• ability to assess the prospects of projects;
• knowledge of investment technologies and the state of stock markets;
• detailed understanding of the banking segment;
• ability to ensure competitiveness of products.

A mathematical mindset forms the basis of a specialist’s professional activity. He always carries a colossal burden of responsibility. Not everyone can withstand this.

Personal qualities are no less important - an analytical mind, the ability to make independent decisions, resistance to stress, determination and attentiveness.

Where can he work?

Wherever there is money, even if it is presented in intangible form (banking products, securities, intellectual property, and so on). The specialist manages financial flows, which means his services are indispensable even in small and medium-sized businesses. Often financiers act as advisors, helping businessmen and individuals manage their capital wisely.

TOP 5 most popular places to work:

1. Banks.
2. Private companies and enterprises.
3. Investment funds.
4. Stock exchanges.
5. Securities markets.

Jobs for financiers are provided by 90% of companies operating in completely different market segments. The services of a specialist are in demand wherever competent financial transactions are required with a focus on making a profit and obtaining other benefits. However, the remuneration of a professional will depend on the company or organization in which he will work. You should not expect that a small provincial enterprise with low trade turnover will be able to provide a multi-million dollar salary.

Financier salary

The size of a specialist’s remuneration is determined by the market. Practice shows that investors, representatives of the banking sector and brokers earn the most. Much will depend on experience, qualifications and personal history - one unsuccessful deal can put an end to your career. But a successfully completed investment (for example) can create a big name for you already in the first years of your professional activity.

How much does a financier earn in different regions of Russia (average salaries):

• Moscow – 70,000 rubles;
• Moscow region – 55,000 rubles;
• Leningrad region – 43,300 rubles;
• Kirov region – 40,000 rubles;
• Pskov region – 50,000 rubles.

Obviously, this is the “average temperature in the hospital.” The salary of successful financiers, according to research, exceeds 1 million rubles per month, and abroad it is even higher. But professionals from the periphery are forced to be content with a salary of 15-20 thousand rubles.

For a financier, it is important to make a career, be able to make the right decisions on time and constantly move forward. Looking for a position in which you will prepare formal financial reports while “serving” time means burying your own professional growth.

Pros and cons of the profession of financier

pros. First of all, this is high wages for professionals. This specialty is in demand; every financier has prospects for building a brilliant career. Obviously, it makes no sense to look for happiness in small cities - you should be in large regional centers, be where large financial flows circulate. Only in this case will you have a chance to be successful.

Do you want to study in the Finance specialty, but don’t know what a financier does?

We will try to help you.

Firstly, This is a serious specialty, because... Finance is the basis of the economy of any state.
Currently, the profession of “financier” is one of the key professions in enterprises of any form of ownership. In all spheres of the national economy, the activity of a specialist in the field of finance is carried out.

Secondly, A financier is a manager on whom planning of opportunities to increase the profit of an enterprise depends, a specialist on whom forecasting the results of economic activity depends. A financier must be aware of affairs not only within the enterprise, but also the country as a whole.

Third, A financier must be able to simulate situations, analyze various events, and draw analytical conclusions.
Young specialists who have just completed their studies in the specialty “Finance” go to work as accountants, assistant economists, and employees of planning departments at enterprises.

Thus, young specialists earn invaluable experience during this time. And already working in the financial department, you will be able to solve many problems - pricing, budgeting, marketing, asset management, tax planning, accounting, insurance, property management. The finance department works closely with departments such as accounting, planning, marketing, and organizations such as investment companies and banks.

Who knows, maybe in a few years, having gained invaluable professional experience, you will become a financial director and will solve not only financial issues, but also perform administrative duties

Future field of activity, profession:
financial director;
financial analyst;
tax specialist;
treasurer;
accountant;
auditor;
Head of Controlling Service.

Financiers can apply their skills and knowledge in production, in business, in the financial sector, in science, in a bank, in a consulting company.

Personal qualities that a financier must have:
Analytical mind,
math skills,
ability to think logically,
perseverance,
tendency to perform meticulous work that requires concentration,
good memory,
patience,
ability to perceive and analyze large amounts of information,
organizational skills.

Graduate qualifications specialty 080109 Finance - financier.

Regulatory period mastering the main professional program of secondary vocational education for basic training in full-time education:
on the basis of basic general education – 2 years 10 months;
on the basis of secondary (complete) general education – 1 year 10 months.

Characteristics of professional activities of graduates

Area of ​​professional activity of graduates:
organization and implementation of the activities of financial, economic planning and tax services of organizations of various organizational and legal forms, financial and economic services of state authorities and local self-government.

The objects of professional activity of graduates are:
financial transactions carried out by organizations of various organizational and legal forms, state authorities and local governments;
property and obligations of organizations, state authorities and local governments;
financial and economic information;
financial statements.

The financier prepares for the following activities:

Financial and economic planning in the sector of state and municipal government and organization of execution of budgets of the budget system of the Russian Federation;
conducting settlements with the budgets of the budget system of the Russian Federation;
participation in financial management of organizations and implementation of financial transactions;
implementation of professional application of legislation and other regulatory legal acts of the Russian Federation regulating financial activities.

The financier must have general competencies, including the ability to:

Understand the essence and social significance of your future profession, show sustained interest in it;
organize your own activities, choose standard methods and methods of performing professional tasks, evaluate their effectiveness and quality;
make decisions in standard and non-standard situations and bear responsibility for them;
search for and use information necessary for the effective performance of professional tasks, professional and personal development;
master information culture, analyze and evaluate information using information and communication technologies;
work in a team and team, communicate effectively with colleagues, management, and consumers;
take responsibility for the work of team members (subordinates), the result of completing tasks;
independently determine the tasks of professional and personal development, engage in self-education, consciously plan professional development;
navigate the conditions of frequent changes in technology in professional activities;
perform military duty, including using acquired professional knowledge (for young men).

The financier must have professional competencies corresponding to the main types of professional activities:

1. Financial and economic planning in the sector of state and municipal government and organization of execution of budgets of the budget system of the Russian Federation:
1.1 Calculate indicators of project budgets of the budget system of the Russian Federation.
1.2 Ensure the execution of budgets of the budget system of the Russian Federation.
1.3 Exercise control over transactions with funds from the budgets of the budget system of the Russian Federation.
1.4 Draw up budget estimates for government institutions and plans for the financial and economic activities of budgetary and autonomous institutions.

2. Conducting settlements with the budgets of the budget system of the Russian Federation:

2.1 Determine the tax base for calculating taxes and fees to the budgets of the budget system of the Russian Federation.
2.2 Ensure timely and full fulfillment of obligations to pay taxes, fees and other obligatory payments to the budgets of the budget system of the Russian Federation.
2.3 Participate in tax planning activities in organizations.

3. Participation in financial management of organizations and implementation of financial transactions:
3.1 Participate in the management of the organization’s financial resources.
3.2 Draw up financial plans for the organization.
3.3 Participate in the development and implementation of measures to improve the efficiency of the financial and economic activities of the organization.
3.4 Ensure the implementation of financial relationships with organizations, state authorities and local governments.

4. Carrying out professional application of legislation and other regulatory legal acts of the Russian Federation regulating financial activities:
4.1 Carry out legally sound application of the rules governing budgetary, tax, and currency relations in the field of insurance, banking, accounting and control.
4.2 Carry out effective work with financial and legal information to make the necessary decisions.

Happiness is not in money, but in its quantity. This is exactly what those people say who worship the golden calf and consider money to be almost the only goal of their life. But financiers, who deal with huge amounts of despicable metal every day, consider money to be just an effective tool for achieving other, more productive, and often noble goals.

Happiness is not in money, but in its quantity. This is exactly what those people say who worship the golden calf and consider money to be almost the only goal of their life. And here financiers, who daily handle huge amounts of despicable metal, consider money to be just an effective tool for achieving other, more productive, and often noble goals.

Let us immediately note that if some 20-30 years ago there were no financiers as such in Russia, today this profession is extremely popular among the younger generation. And not because young men and women dream of “boosting” the domestic economy and improving the well-being of their fellow citizens. Most of all, they are attracted to this profession by the great opportunities to improve their own financial situation. At least that's what they think. But many of the future specialists do not even suspect that the concepts of “financier” and “wealthy person” are not always synonymous. And after a detailed acquaintance with the features of this profession, you will understand why.

Who is a financier?

A financier is a highly qualified specialist in the field of financial science and financial transactions who deals with particularly large monetary transactions, capital management, and financing projects on a legitimate basis. In this case, the financier can be either a minor clerk in a bank branch or an employee of the Ministry of Finance (up to the minister himself)

The name of the profession comes from the Latin word financia, which literally translates as “finish”, “finish” - the completion of monetary settlements between the population and the state. The familiar concept of finance, as transactions with monetary assets, came from France, where the word finance means income, cash.

Story financier profession goes back to the times of the emergence of the first states and, accordingly, the state treasury, which needed competent management. For example, the famous Order of the Templars, whose treasures have not been found and still excite desperate heads, are none other than the first bankers, and their treasures are nothing more than an ordinary investment. In the courts of European sovereigns in the Middle Ages, there was a position of a court Jew (without any hints), who served as a financier, lending money to a squandered king or emperor “before payday.”

The sphere of interest of a modern financier includes all movements of money without exception: investments, lending, transactions, debt collection, and so on. The specialization of a financier (and, by the way, there are a lot of them, since a financier is usually called any specialist who is in one way or another related to monetary and financial transactions: a banker, an accountant, financial director etc.) depends on the type of money turnover in which he is engaged. Thus, we can distinguish financiers who deal with:

• lending;
• taxes and budget;
• investments;
• insurance;
• foreign economic activity (financial international transactions).

Simply put, a financier involved in lending issues loans at interest, while he determines to whom, how much and at what interest rate the loan can be issued and what the risks of the institution he represents are.

A tax and budget specialist works with the finances of an enterprise, industry, and state. The essence of his responsibilities is simple: how much money do we have, how much taxes should we pay, how to distribute and spend the budget.

An investor is engaged in investing money and must determine the profitability and possible risks of the enterprise. This specialist usually works in tandem with an insurer, whose activities are aimed at eliminating losses.

The foreign economic activity of a financier is connected with the work of various international banks and funds, and essentially unites all the others, only at a higher level.

If we summarize all of the above, we can determine the range of main responsibilities of a financier, which will look something like this: analysis of financial documents, transactions with securities and real estate, preparation of financial reports and estimates, stock exchange transactions, taxation work.

What personal qualities should a financier have?

The financier is faced with the task of obtaining maximum profit from the invested funds. Everything else: methods, means, tools, choice of investment recipient - he determines himself. In other words, the economic development of both an individual enterprise and the entire state as a whole directly depends on the professionalism of the financier. Therefore, the requirements for such an employee are very high. First of all, a true professional must have such personal qualities as:

What should a financier know and be able to do? Perfect macro- and microeconomic laws, the situation on the currency and financial market, determine the relationship between supply and demand, see and calculate crisis situations. Therefore, a financier must first study economics. This specialist also needs to know the laws, especially in the field of finance, insurance and international law. And yet, a financier must have flair, talent and ingenuity.

Advantages of being a financier

Hiring at work as a financier company owners actually entrust their own financial well-being to him. Therefore, they are vitally interested in the specialist having an incentive to do his job efficiently. And what could be a better incentive than decent wages? True, this applies only to middle and senior management specialists (chief accountants, managers, financial directors, etc.). Of course, the salary of financiers is not calculated in millions, but a salary of 60-70 thousand rubles allows specialists to feel tangible satisfaction from their work.

One more advantage of being a financier is the versatility of the specialty. The place of work of a financier can be either a bank or an insurance company, a credit institution, or an investment company. At the same time, the experience gained in the process of work can be useful to a specialist both in everyday life and when organizing his own business.

It should also be noted that the financier’s place of work is the silence and comfort of banking and office premises. As you know, big money doesn’t like noise, and therefore the specialist’s workplace is always calm, no one bothers him.

And finally, this profession belongs to the category of intellectual. Therefore, it requires the financier to constantly develop and move forward. In other words, a representative of this profession will never become rigid or stop developing.

Disadvantages of being a financier

Despite the obvious advantages of the profession, it has disadvantages, and quite significant ones. In particular, the popularity of this profession among the younger generation has led to an oversaturation of the labor market and high competition among specialists. As a result, young financiers, without work experience, mostly receive relatively small salaries (about 30-40 thousand rubles).

Besides, disadvantage of being a financier can be considered the fact that a specialist has to work almost around the clock. What is meant? Money should always be in circulation. Well, since the financial situation changes every minute (the financial market never sleeps: some companies go bankrupt, others get rich), a specialist needs to constantly monitor current information. Otherwise, you may fall out of the clip forever. In turn, such a busy pace of life can lead to chronic fatigue, which leads to depression.

And most importantly, the specifics of a financier’s work are inextricably linked with enormous financial responsibility. Even one wrong decision can lead to colossal losses, the consequences of which can be irreversible.

Where can you get a profession as a financier?

Based on all of the above, we can conclude that become a financier

Managing financial flows in the modern market is difficult and responsible. Specialists in the field of economic activity of enterprises manage cash flows, predict changes in financial markets, analyze risks, and carry out financial transactions to invest capital in profitable projects.

There are many educational institutions throughout Russia, and this is a big plus for the younger generation. Graduates of universities and colleges become employees of large companies and small organizations. High-level professionals often act as consultants for people trading in the stock markets.

Just recently, financier as a profession was not popular; school graduates with a weak 4 in their certificate could easily enter financial and credit technical schools and universities. In conditions of universal free education, this situation had more advantages than disadvantages. No one thought about what they would have to do in the future, what qualities they needed to have in order to be successful in their chosen profession. The modest girls serving clients in savings banks did not arouse interest, and their work seemed boring and mediocre.

Now the situation has changed in many ways, and financier is almost the most prestigious specialty, although graduates of dubious educational institutions en masse forget about their diplomas and go to work in other industries, sometimes in completely opposite areas of activity. The lack of demand for certified specialists and the reluctance of employers to accept graduates without experience into their teams are, of course, considered by many yesterday’s students to be disadvantages that few people think about when choosing a profession. But this situation does not mean that financial specialties are not in demand in the labor market. Although company owners, as a rule, prefer to have experienced specialists on their staff to successfully manage their financial affairs. Yesterday's graduates always have a chance to start working by agreeing to a place with low pay, and the advantages are obvious, because this way they will gain experience and will be given a start for a more prestigious position.

What qualities should an employee have?

In any field, the success of a company depends on the level and professionalism of its employees. It is no coincidence that managers, entrusting experienced managers with the selection of personnel for a particular position, prefer only one out of dozens, or even hundreds of applicants. Management companies approach the selection of a financier with particular care and responsibility, because the dynamic development of a private company or joint stock company depends on the activities of a financial employee. This profession requires certain qualities. Advantages will be given to those applicants who have:

• speed in decision making;
• literacy and attentiveness;
• honesty and responsibility;
• ability to predict;
• intelligence and communication skills.

The main quality that a modern financier must have is a sharp, inquisitive, analytical mind. He needs to have a broad outlook in the field of politics, legislation, psychology and other areas.

The work of financial workers has its pros and cons. Managing the movement of large monetary resources, they bear enormous responsibility for the successful operation of the enterprise.

Positive faces of a sphere

In a market economy, yesterday's students will easily find their place not only in credit institutions, but in investment, insurance companies or in any production sector of the national economy. For today's youth, these are advantages that no one could have dreamed of 30-40 years ago. Now they are gaining invaluable experience in acquiring skills in their profession. Many employers, accepting an inexperienced financier for an internship, give him the opportunity for career growth, subject to a responsible and interested attitude to the common cause.

There are many such enterprises now, and personnel for most of them is a matter of prestige and success. Often having extra-budgetary funds, managers consistently increase the salaries of valuable employees. After some time, yesterday's student, showing perseverance and professionalism, can become a commercial director or open his own business. Many books have now been published where you can find descriptions of acquiring money management skills with numerous examples.

The attractiveness of the profession of a financier also lies in the fact that the silence and comfort of office premises do not interfere with the peaceful pursuit of intellectual work; these are also advantages that a future financier should pay attention to, because a creative person, being in such conditions, can achieve tangible results in his work life .

A financier today is a promising path for young people; great opportunities open up before them. Specialists in financial and economic activities cooperate with many companies; they easily acquire profitable connections in related areas not only with Russian businessmen, but also with foreign partners. Perhaps someone will classify busy work as a disadvantage, but in vain, because it gives the opportunity to:

• visit other countries;
• improve practical skills of communication with foreign citizens;
• make good money;
• attract the attention of professionals in related industries;
• expand connections in a market economy.

Negative aspects of activity

Many graduates of educational institutions dream of a prestigious job in large banks and successfully developing companies, where there is hope for a decent salary and prospects for professional growth. But high competition and an army of certified financiers do not allow most of them to get a profitable position. Large companies usually sign contracts with talented and experienced workers. Minor disadvantages should not scare away young people - those who want to achieve success will definitely achieve it.

Reputable corporations entrust financial affairs to specialists who have unique abilities for accurate forecasting and effective recommendations, so the disadvantages of the profession are also associated with the fact that if an employee makes mistakes, he is threatened with financial penalties.

The specialty of a financier takes a lot of time, and people, having devoted themselves to it, are forced to limit themselves in many ways, including communication with children and relatives. Money management is a challenging and demanding task, and the high prestige of this profession creates competition.